First Bank A Federal Savings Bank in city_name, state_name - Detailed Financial Reports, Location

First Bank A Federal Savings Bank in Clayton, Missouri (MO)
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First Bank A Federal Savings Bank - Overview

General
FDIC Certificate #: 30941
Status: Inactive
Closing history: Corrections
Acquiring institution: First Bank, Federal Savings Bank (#32600)
Federal Reserve ID: 455178
Date Established: January 01, 1956
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 6147
FDIC's unique #: 43775
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: Febuary 27, 1957
Last Structure Change Effective Date: January 04, 1995
Last Structure Change Process Date: January 13, 1995
Last Data Update: October 18, 1997
Data Source Date: April 05, 2012
Location
Address: 135 North Meramec, Clayton, MO 63105
County: Saint Louis (City)
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: St. Louis
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Merger - Without Assistance
Office Sold
Corrections
Financial Summary
Total assets: $930.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$282Total assets
$930,926Cash and due from depository institutions
$4,589Interest-bearing balances
$166Securities
$174,918Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$696,237Loan loss allowance
$8,073Trading account assets
$0Bank premises and fixed assets
$16,288Other real estate owned
$4,183Goodwill and other intangibles
$28,028Life insurance assets
$6,683All other assets
$0Total liabilities and capital
$930,926Total liabilities
$853,507Total deposits
$648,287Interest-bearing deposits
$615,144Deposits held in domestic offices
648287.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$43,648Trading liabilities
$0Other borrowed funds
$149,847Subordinated debt
$0All other liabilities
$11,725Total equity capital
$11,725Total bank equity capital
$77,419Perpetual preferred stock
$0Common stock
$1Surplus
$56,117Undivided profits
Memoranda
$21,301Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,491Income earned, not collected on loans
$3,656Earning assets
$871,321Long-term assets (5+ years)
$0Average Assets, year-to-date
$854,383Average Assets, quarterly
$905,784Volatile liabilities
$256,729Insider loans
$143FHLB advances
$126,747Loans and leases held for sale
$0Unused loan commitments
$102,963Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$76,350Total risk weighted assets
$507,025Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$56,476Total interest expense
$27,754Net interest income
$28,722Provision for loan and lease losses
$10Total noninterest income
$10,439Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$10,439Total noninterest expense
$22,076Salaries and employee benefits
$8,264Premises and equipment expense
$6,131Additional noninterest expense
$7,681Pre-tax net operating income
$17,075Securities gains (losses)
-$5,345Applicable income taxes
$3,430Income before extraordinary items
$8,300Extraordinary gains - net
$0Net income attributable to bank
$8,300Net charge-offs
-$5,589Cash dividends
$3,500Sale, conversion, retirement of capital stock, net
$13,200Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.02%Cost of funding earning assets
3.45%Net interest margin
3.57%Noninterest income to earning assets
1.30%Noninterest expense to earning assets
2.74%Net operating income to assets
1.42%Return on assets (ROA)
0.97%Pretax return on assets
1.37%Return on equity (ROE)
10.84%Retained earnings to average equity (YTD only)
6.27%Net charge-offs to loans
-0.88%Credit loss provision to net charge-offs
-0.18%Efficiency ratio
55,471Assets per employee
3.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.17%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
124.37%Noncurrent assets plus other real estate owned to assets
1.15%Noncurrent loans to loans
0.92%Net loans and leases to deposits
107.40%Net loans and leases to core deposits
119.00%Equity capital to assets
8.32%Core capital (leverage) ratio
8.21%Tier 1 risk-based capital ratio
15.06%Total risk-based capital ratio
Memoranda
$16Average assets
$854,383Average earning assets
$76,550Average equity
$804,881Average loans

First Bank A Federal Savings Bank in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank A Federal Savings Bank - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

Comment about this bank, ask questions, or add new information about it:

First Bank A Federal Savings Bank in Clayton, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank A Federal Savings Bank - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

Comment about this bank, ask questions, or add new information about it:

First Bank A Federal Savings Bank in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches